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Understanding Your Credit Report with TransUnion and its Services

By Andy Snyder
Published: Thursday, October 15th, 2009

Sometimes, you don’t need to request all of your credit reports in one go right away. Sometimes, all you’ll need is to look in one out of the three credit reporting agencies to have a good grasp with the activities on your file. And one of the companies that you can choose to help you monitor your information is TransUnion.

One of the top characteristics of TransUnion is that they have an extremely user friendly website. Credit report advice from this company may as well be easy to find, as every item is well categorized and important information, like what numbers to contact with every need that may come up, can be easily found as they are listed in a single page. The list itself can even be already considered as a credit report advice page, as the list already indicates the things that you should look for when you’re reviewing your file.

Another plus factor of TransUnion is that they readily indicate that their reports are accessible to visually impaired individuals. On top of their contact list, you will be advised that all of their online reports are supported by screen readers, and if you will need to request by phone or mail, TransUnion will be happy to provide a Braille version of the document, when you request for it. Sure, the other companies may also offer this feature, but TransUnion already trumped them by instantly providing the information flat out: no more FAQs, and no more need to contact them for such questions.

However, unlike Equifax and Experian, TransUnion isn’t really big with different and unique extra services. Instead of offering fancy ways to monitor your account, they offer two compact services, both with a thirty-day free trial.

The first of these services is called the 3-in-1 Report, which basically contains all the three of your credit reports. Following the basic credit report advice of monitoring all of your files, this report allows you to access all of the three reports from all of the three credit reporting agencies, plus, they will also throw in a preview of your credit score.

What’s good this service is that all of your information are all laid down side by side, making it easier for you to compare your facts. Unlike when you request for your reports individually from the different credit bureaus, which all have their own layout and sequencing, you wouldn’t need to pour through and over pages with a 3-in-1 report, letting you to easily follow the credit report advice of understanding and spotting the differences in all of your files. 

TransUnion’s Credit Monitoring service is compact, because it has put together everything you need to do according to credit report advice in one handy package. With this service, which will be available for almost twelve dollars after the trial, you can take advantage of the following:

  1. Access to all of your three credit reports, twenty four hours daily, online.
  2. Easy to read reports with an interactive guide and colored graphics.
  3. Graphic representation of your information, giving you a more visual explanation of how your finances are doing.
  4. Close monitoring of your information, with alerts whenever key changes have been made on your information or accounts.
  5. Availability of an Identity Theft insurance that can amount up to $25,000.

With TransUnion’s handy services, your every need, may it be a credit report advice or a copy of your report can easily be done with additional flourish.

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